what is UT bro? I dont quite understand.

Owhh, I see... ok ok. thanks for the explanation bro, appreciate it   

Unit trust. But you need to pay 5% as fees. Better get up from fsm. Fsm only 1-2%

uncle can buy asnb from fsm?

No. What I meant is other ut

HI uncle Boom,

Currently i just have basic saving account for HSBC? any requirement to upgrade my saving account to HSBC advance in order
to place the FD account.

If I am not mistaken, only valid for new HSBC customer

i almost sent out my application, until i talked to customer service.

the problem (for me) is account closure. need to walk-in to branch to cancel.

it doesnt really work like M2U Savers (purely virtual/e-account) which can be managed fully in M2U. OCBC e-SmartSavers need some walk-in intervention (remove RM25k withdrawal limit, account closure).

not worth the promo rate 4.00% p.a., cuz i'm planning to close it after promo, which gonna waste my time/money later.

IF, only if, e-SmartSavers can be closed via Internet Banking, then i'm interested to sign-up.

Short term FD has its purpose. Right now I also have some 1 mth, 3mth FD placed. Some has been renewed. These are short term ones which I foresee to use them in the immediate future. I keep these at CB at low monthly rate as I can even call them to cancel it and use them immediately. 

But for those FD which I don't foresee I will be using them, I placed them long term, 1 year, 2 years and 3 years. 

Oh.. So need to visit OCBC branch at least times to use OCBC e-SmartSavers ..?
But for me is ok lah.. only 2 visit for 6 months.

Last time I had to go to Standard & Chartered bank every month to make monthly deposit just
for the 4.2% interest in my Just One saving account....

Birds olso die for foods..not to mention humans lah... 

Thanks for the info.... 

Last time I had to go to Standard & Chartered bank every month to make monthly deposit just
for the 4.2% interest in my Just One saving account....

Ah Sir.. when you cancel your Citi Bank 1 month FD before it becomes mature, do you still get the partial interest..? 

most of the FD promotions ended 30June 2015. Hopefully there will be even better FD promo start from 1July2015.

don't worry.. I'm sure there would be new FD promo from banks "hungry" for our $$ 

don't worry.. I'm sure there would be new FD promo from banks "hungry" for our $$ 

What if BNM reduce the OPR?

well, their definition of e-SmartSavers is that you can open it without stepping into the branch .... well, except for 2 reasons: remove RM25k per annum withdrawal limit and account closure.

the opening criteria is not favorable to existing OCBC customers where you need to resubmit softcopy documents. unlike MBB, you can open Savers/Savers-i easily inside M2U.

Wow, go to SCB every month previously to get the 4.2% interest for JustOne SA ? Really working so hard to make the money working for you ? 

Are you joking ? For 1 month FD, how to get partial interest ?   

What if BNM reduce the OPR?

Ya....this is not e-FD..
To ask customer to visit branch and resubmit documents are a bit troublesome la...

But usually high interest rate will exchange troublesome.. 

new account registration & document submission is via eForm. only when u need to remove the restrictions or account closure, then need to process at branch.